Property Finance Q&A
What landlords, developers and owner-occupiers ask us before taking on property funding.
What property finance does C4B arrange?
Bridging loans, buy-to-let mortgages and commercial mortgages, for individuals, limited companies, landlords, pension schemes, developers and owner-occupiers.
How quickly can a bridging loan complete?
Typically 5 to 14 working days. Where the security is straightforward, the valuation is instructed early and solicitors act promptly, completion can be faster.
What is an exit strategy and why does it matter?
It is how the bridging loan gets repaid; usually a sale or a refinance onto a longer-term mortgage. Lenders price and approve largely on how credible that exit is.
What loan to value can I expect?
Broadly up to 75 percent on bridging and commercial mortgages, and up to 75 to 80 percent on buy-to-let. Higher leverage is sometimes possible with additional security.
Can I borrow through a limited company?
Yes. SPV limited company buy-to-let is very well supported, and most commercial lenders are comfortable lending to trading companies and SPVs.
Do you finance HMOs, holiday lets and portfolios?
Yes. We place HMO and multi-unit freehold blocks, serviced accommodation and holiday lets, and portfolio refinances for landlords with several properties.
How is buy-to-let affordability assessed?
Through an interest cover ratio: rental income must cover the mortgage interest by a set margin at a stressed rate. The exact figures vary by lender and tax status.
What deposit is needed for a commercial mortgage?
Usually 25 to 35 percent for investment purchases, and sometimes less for owner-occupiers where the trading business is strong.
Can you help with unusual or non-standard property?
Yes. Non-standard construction, mixed-use, part-completed development and properties currently unmortgageable are all cases we place regularly.
What costs should I budget for?
Lender arrangement fees, valuation fees, legal costs for both sides, and on bridging, interest that is often retained or rolled up. We set these out clearly before you commit.